IVI & Ten Square

IVI Checkmate Corp. announced it has formed a strategic partnership with Ten Square of San Jose, CA., to jointly provide a secure Internet broadcasting system for consumers promotions and services in retail stores. The offering is targeted to local, regional and national retailers, financial institutions and service providers.

![][1] Ten Square’s secure Internet broadcasting system links local merchants directly within their geographic community by providing promotions and services tailored to their customers, creating a ‘digital neighborhood’. IVI Checkmate provides the integration services and Application Service Provider (ASP) model needed to implement the Internet broadcasting system in retail store locations. The resulting system delivers value-added consumer services and targeted promotions that improve customer loyalty while creating a new revenue stream for participating retailers. Customers receive personalized promotions and service offerings at different points of influence when visiting participating retailers, financial institutions and convenience/petroleum locations.

The partnership positions Ten Square to leverage IVI Checkmate’s interactive touch screen terminal family, enterprise-wide transaction management applications and integration services to provide interactive digital media at retail point-of-service counters and throughout the store. The Ten Square and IVI Checkmate partnership will provide significant value-added benefits and an easy-to-implement migration path to Internet-based interactivity for participating businesses. Ten Square’s applications will be available to IVI Checkmate’s extensive retail customer base through IVI Checkmate’s direct and indirect distribution channels.

Scott Slinker, President and CEO of Ten Square, stated, “IVI Checkmate’s eN-to-eN Transaction Solution strategy is Ten Square’s gateway to retail point of service. Their integration experience and professional services organization makes them the ideal partner to implement and deliver promotional, informational and community services content to retail store.”

Barry Thomson, President and CEO of IVI Checkmate stated, “This is the first of many announcements we will make with key Internet-based content suppliers that will leverage our retail ASP model to deliver targeted promotions, messaging and advertising to the retail store. By fostering a closer relationship with the consumers, retailers are better able to allocate marketing dollars while driving incremental sales. The result is a far more efficient and profitable business.” Thomson added, “Ten Square’s Internet-based broadcasting system provides IVI Checkmate with a quality offering that will greatly benefit our customers.”

About Ten Square

Ten Square provides a secure, Internet-based broadcasting system, that takes advantage of existing network infrastructures to deliver interactive digital media right to where consumers shop, including promotional, informational, and community service messages. Ten Square links local merchants within a community by providing applications and services tailored to their customer’s interests, creating a digital neighborhood. For more information, please visit [www.tensquare.com][2].

About IVI Checkmate

IVI Checkmate is the third largest electronic transaction solutions provider in North America. The Company designs, develops and markets innovative payment and value-added solutions that optimize transaction management at the point-of-service in the retail, financial, hospitality, healthcare and transportation industries. IVI Checkmate’s software, hardware and professional services minimize transaction costs, reduce operational complexity and improve profitability for its customers in the U.S., Canada and Latin America.

[1]: /graphic/tensquare/tensquare.gif
[2]: http://www.tensquare.com/


Cryptoflex 16K

Schlumberger Network Solutions, a unit of the Test & Transactions business segment of Schlumberger launched a 16 kilobytes capacity version of its Cryptoflex smart card, giving the ability to store multiple passwords and certificates and enabling an increased number of secure applications and cryptographic services. Called Cryptoflex 16K, this smart card works with all major PKI (public key infrastructure) providers, including the PKI integrated into Windows 2000. It enables multiple applications that do not need to share keys and can be used with Microsoft, Netscape, Entrust and a whole host of applications. Enhanced 2048-bit RSA encryption and Identrus-compliance makes it the ideal portable ID device for securing B2B and B2C e-commerce transactions and network access.

‘The rapid spread of the use of the Internet has made securing user trust over networks fundamental for the growth of businesses today,’ says Jean-Claude Perrin, IT smart cards manager at Schlumberger. ‘Cryptoflex 16K implements the most powerful industry-standard security functions, making it today the ideal portable digital identity device to secure systems requiring strong authentication anywhere in the world.’

‘One of the biggest obstacles to e-commerce expansion is how to prove the identity of an individual over networks and electronic services. Electronic service providers and financial institutions are embracing strong authentication and PKI technology as a key enabler,’ added Marc Hudavert, vice president and general manager of ActivCard Europe. ‘Schlumberger Cryptoflex 16K is the ideal token to perform encryption and digital signature operations, and for storing the increasing number of credentials static passwords, one-time passwords and digital certificates needed to forge agreements and engage payments in a confident and trusted manner. ActivCard Gold software and ActivCard Management Suite seamlessly use Cryptoflex 16K cards to generate, store, control and manage all these credentials, with the strong value of being network independent, PKI independent, and credential independent.’

Unlike computer discs which are very prone to failure, human error or attack by viruses, the on-card cryptoprocessor of the Cryptoflex 16K protects keys and certificates from damage and unauthorized disclosure.

Schlumberger leads the world in the development of smart card security techniques.

Cryptoflex 16K builds on the established Schlumberger Cryptoflex range by extending memory from 8 to 16 Kbytes and speeding up algorithm computation: RSA (2048, 1024, 768 and 512 key lengths) and DES. The enhanced user-selectable key length increases the choices available to IT managers, value-added resellers and developers building commercial security products. It enables a single Cryptoflex-based solution to meet the varied encryption requirements of different countries. The additional memory provides ample space to store valuable information such as remote dial-in numbers, network addresses, account password information and users’ digital credentials. PC/SC & PKCS#11 standard middlewares are also available, enabling the Cryptoflex 16k to work in any heterogeneous IT environment.

About ActivCard

ActivCard S.A., a leader in digital identity and electronic certification technology, delivers core components required to enable next generation business communications and transactions. ActivCard’s technology suite offers the ease-of-use of an ATM transaction with a security level better than a face-to-face meeting. ActivCard’s solutions, in conjunction with the applications support for public or symmetric key-based data confidentiality and integrity, allow individuals and businesses to perform secure online transactions over the Internet. Based on sales, we believe that today, more than one million people use ActivCard products for secure Internet banking, web access and remote access to corporate networks. ActivCard has corporate headquarters in Fremont, California, Suresnes, France, and Singapore.

About Schlumberger

Schlumberger is the leading provider of smart card-based solutions worldwide. Drawing on 20 years experience in pioneering smart card innovations, Schlumberger is continuing to evolve the new generation of smart cards, parking terminals, ticketing machines, payphones, banking terminals, servers, software, applications and systems integration that will play a key role in the 21st century’s digital age. Additional information is available at .


GCA Deals

Six luxury cruise liners of Norwegian Cruise Line Limited and three gaming properties recently signed contracts to utilize the technologically advanced products and services of Global Cash Access, the leading provider of cash access, financial management and customer relationship marketing technologies to the gaming industry.

Norwegian Cruise Line Limited has signed a multi-year contract to use Global Cash Access’s flagship cash access service, QuikCash POS debit/credit card cash advance.

Using a client-server platform, the GCA QuikCash devices are smart-card ready, feature touch-screen technology and can provide patrons credit card or POS debit cash advances in less than 15 seconds. Their multilingual capabilities make them perfectly suited to cruise ships that traverse the world, as well as land-based facilities.

Properties that recently signed agreements with GCA are:

— Norwegian Cruise Line Limited – Miami, Fla.

— M.S. Norwegian Sky

— S.S. Norway

— M.S. Norwegian Sea

— M.S. Norwegian Dream

— M.S. Norwegian Wind

— M.S. Norwegian Majesty

— Nooksack River Casino – Deming, Wash.

— Spotlight 29 Casino – Cochella, Calif.

— Cash Casino – Calgary, Alberta (CAN)

Global Cash Access was formed in 1998 through a joint venture of Bank of America (NYSE:BAC), First Data Corp. (NYSE:FDC) and USA Processing, Inc. Providing access to the gaming industry’s largest patron database, Global Cash Access uses Internet technologies to deliver funds transfer, financial management and customer relationship marketing services to more than 1,200 gaming properties nationwide.



With online retail sales projected to exceed $140 billion in the US alone during the next three years, already-high consumer, merchant and regulatory demand for tighter security on the Internet is expected to reach unprecedented levels. Squarely addressing this demand, the electronic payments industry is introducing countertop information appliances that combine the high security of credit/debit card payment terminals with revenue-enhancing applications and services at the point-of-sale. Therein lies an opportunity for consumers at the retail countertop, and quite possibly for Internet users at home as well.

“Unlike the Internet, which has a clear reputation for poor security, the electronic payment industry has a virtually unblemished record of over 20 years,” said Paul Whittle, senior vice president, Hypercom Corporation. “The emergence of Internet-enabled card payment information appliances for the first time allows merchants and consumers to access the Internet with the high security levels inherent in traditional card payment terminals and could well herald the migration of these security technologies to other consumer appliances used for payments.”

Dual-function card payment appliances such as Hypercom’s highly secure ePic (ePOS-infocommerce(TM)) ICE(TM) 6000 and ePic ICE 6500 devices, feature embedded software as well as an HTML/HTTP browser, hardware-based security, controlled access and more. The Hypercom(R) appliances come equipped with a variety of communication options, including ethernet TCP/IP, and can quickly interface with virtually any point-of-sale (POS) register system. Both appliances are compatible with Hypercom’s ePicPortz(TM) 1.0, a suite of security and gateway server software that enables browser equipped POS card payment devices to securely interface with the Internet and access a broad range of revenue-generating web based applications such as advertising and coupons, electronic receipt capture, check imaging and conversion, e-commerce, and direct consumer marketing.

“We can for the first time bring the benefits of the Internet to the vast majority of ‘brick and mortar’ merchants with security features that are far superior to the average PC. That spells new revenues for processors and merchants, value-added services for the consumer, and just possibly new levels of security for other consumer payment appliances,” Whittle said.

Hypercom Corporation (NYSE:HYC) is the global provider of end-to-end electronic payment solutions, including card payment systems, peripherals, network products, software and e-commerce payment solutions that add value at the point-of-sale for consumers, merchants and acquirers.

Headquartered in Phoenix, Arizona, Hypercom markets its products in more than 70 countries through a global network of affiliates and offices. European offices are located in the United Kingdom, Sweden, France, Germany, Hungary, Russia and South Africa. More information on Hypercom and its products can be found at [www.hypercom.com][1].

Hypercom is a registered trademark of Hypercom Corporation. ICE, ePOS-infocommerce and ePicPortz are trademarks of Hypercom Corporation. All other products or services mentioned in this document are trademarks, service marks, registered trademarks or registered service marks of their respective owners.

[1]: http://www.hypercom.com/


M&I Now Metavante

M&I Data Services introduced a new name, Metavante Corporation, to help establish an independent identity and more accurately reflect the company’s technology-focused business. The new name is effective immediately.

“Metavante Corporation is focused on delivering financial service solutions and proven e-commerce leadership to the financial marketplace with one strong brand,” said Joe Delgadillo, president and CEO, Metavante Corporation. “Our new name and focus will allow us to capitalize on market opportunities and continue to reinforce our industry leadership position.”

With the new name, Metavante Corporation will be a financial solutions enabler that delivers financial industry expertise, premier customer care and demonstrated technology leadership to organizations that are aggressively seeking a competitive advantage to attract and grow profitable customer relationships today and in the future.

Metavante Corporation will focus on delivering solutions that enable financial services providers to deliver competitive advantage. These solutions are: electronic bill payment and presentment, business and consumer e-banking, online mortgage services, financial account processing, customer relationship management, private-label banking, trust and investment solutions, electronic funds transfer, and card solutions.

Headquartered in Milwaukee, Wis., Metavante Corporation, formerly M&I Data Services, is a subsidiary of Marshall & Ilsley Corporation (NYSE: MI), a $25.2 billion holding company. Metavante Corporation delivers financial service expertise, premier customer care and proven technology leadership to the financial services marketplace by coupling 36 years of financial account processing expertise with proven e-commerce leadership. For more information, visit the Metavante Web site at http://www.metavante.com .


Paymentech Platform

Paymentech’s commercial card unit has signed a colocation agreement with FirstWorld. Under terms of the agreement, Paymentech will colocate the unit’s ‘Electronic Payment Solutions’ and its Internet-based reporting and administration platform, ‘PaymentNet’, in FirstWorld’s Salt Lake City Internet Data Center. Currently, Paymentech is processing over 400,000 purchasing, corporate and business card transactions a day. Paymentech is the first commercial card issuer to develop a total Internet reporting and administration platform that allows clients to see transaction data real time and to import information as needed into internal accounting systems


Balance Consolidation

A new product from Payment Systems for Credit Unions has met with unprecedented success. Three months ago PSCU introduced a balance consolidation product that enables credit union credit cardholders to pick up a telephone and transfer a credit card balance instantly. PSCU says the number of credit unions using the product has soared from 14 to 131 during the second quarter. The organization also notes that the average credit union credit card balance transfer has been averaging $2,386 under the program. PSCU has more than 500 credit union members representing more than five million cardholders nationwide.


IVI Deal

Canada’s IVI Checkmate confirmed this morning it has obtained a volume purchase agreement to sell 10,000 ‘eN-Check 3000’ check readers to TASQ Technology of Rocklin, CA. ‘eN-Check 3000’ is the only dial-based check reader on the market, which is used for check verification, check guarantee and electronic check conversion. TASQ will re-market the ‘eN-Check 3000’ to its customer base for resale to retailers and service providers who accept checks. TASQ Technology has 420 employees and reaches more than one million merchants nationwide.



NYCE Corporation has named William J. Cary to the position of Senior Vice President, Technology Services and Data Processing Operations.

In his new post, Mr. Cary will be responsible for the company?s 24×7 data centers, which comprise mainframe, mid-range, and client/server distributive environments. In addition, he will oversee all day-to-day operations and future capacity planning. More than 250 NYCE team members ­ including the NYCE East client services team ­ report up to him.

Mr. Cary, who has more than 30 years of experience in information technology, joined NYCE in 1998. Prior to this recent appointment, he was Vice President of Data Center Operations with NYCE. Before joining NYCE, Mr. Cary was with Citibank, N.A. where he served as Vice President/Chief Domain Architecture for Worldwide Data Center Technology Services within the Corporate Banking Division.

Headquartered in Woodcliff Lake, NJ, NYCE Corporation is one of the leading electronic payments companies in the U.S. The NYCE Network provides financial institutions and retailers with shared network services for automated teller machines (ATMs), on-line debit point-of-sale and electronic benefits transfer transactions. Currently, the Network has 2,400 financial institution participants and services more than 45 million cardholders through 38,000 NYCE-branded ATMs and 215,000 point-of-sale retailer locations. The company processes nearly 77 million transactions each month. In addition, NYCE Corporation provides financial institutions with real-time processing services that support ATM management and monitoring services, as well as debit card issuance and authorization solutions. With innovations such as SafeDebitTM, a PIN-secured debit payment solution, NYCE is a frontrunner in the payments industry. NYCE?s web site address is www.NYCE.net.


Global ePayment

Trintech Group PLC and Visa International, announced a strategic partnership to jointly develop the next generation of ePayment solutions to speed the global adoption of secure mobile commerce.

The alliance follows Trintech’s announcement today of the launch of PayWare mAccess, the company’s secure payment solution designed specifically for mobile devices, as well as a strategic collaboration with Phone.com. PayWare mAccess allows for “one touch” payment and real time authentication of user while shopping using mobile phones and other non-PC devices.

The partnership ensures that consumers can purchase from mobile devices with the assurance of the trusted Visa brand and secure, convenient technology from Trintech. By leveraging the form filling capabilities of PayWare mAccess secured with a secret PIN code, merchants and consumers can buy and sell with greater confidence. The two companies have committed to work together to extend the products capabilities to support stronger authentication mechanisms including smart cards and the SET Secure Electronic Transaction? standard, with the aim of delivering guaranteed mobile commerce transactions to the benefit of consumers and merchants worldwide. In addition, the two companies have committed to promote industry-wide standards for this new medium, as well as building support for new payment types, such as PIN based debit.

Joe Chouinard, vice president, New e-Channels Development at Visa International, said: “This partnership with Trintech builds on the recent launch of the Visa Secure e-Commerce Initiative. It shows how we are working with key technology companies to provide higher levels of security and authentication for e-commerce users around the world. Trintech’s server-based payment solution provides consumers with the ability to shop securely from a mobile device and provides merchants with the reassurance that they are dealing with legitimate cardholders.”

Visa and Trintech Partner for Mobile Commerce

“Confidence is all-important in securing electronic commerce and Issuers naturally want to manage the stronger cardholder authentication data necessary to provide truly secure commerce via wireless devices. By working with an industry leader such as Visa we are in a strong position to offer a solution that allows the telco and the Issuer to participate in enabling and securing mobile commerce,” says John McGuire, CEO of Trintech. “This partnership of the leading card brand with the leader in payment technology paves the way for consumers, banks and merchants to engage in mobile commerce with the same confidence they have in physical world ePayments.”

About Visa

As the “World’s Best Way to Pay,” Visa is the world’s leading payment brand and the largest payment system worldwide with more volume than all other major payment cards combined. Visa plays a pivotal role in advancing new payment products and technologies to benefit its 21,000 member financial institutions and their cardholders. Visa has more than 80 smart card programs in 35 countries and on the Internet, with 23 million Visa chip cards, including eight million Visa Cash cards. Visa is pioneering SET Secure Electronic Transaction? programs to enable and advance Internet commerce. There are over one billion Visa, Visa Electron, Interlink, PLUS and Visa Cash cards, which generate more than US$1.65 trillion in annual volume. Visa-branded cards are accepted at over 19 million worldwide locations, including at more than 627,000 ATMs in the Visa Global ATM Network.

About Trintech

Trintech Group PLC is a leading provider of secure electronic payment infrastructure solutions for real world, Internet and wireless transactions. The company, which was founded in 1987, offers a complete range of payment software products for credit, debit, commercial and procurement card applications. Trintech’s secure product range is deployed in over 35 countries worldwide and cover the payment requirements of consumers, card issuing banks, merchant acquiring institutions, merchants, eMerchants, telcos, wireless operators, ISPs/CSPs, Portals and large corporations. Trintech’s range of scalable, open systems architecture solutions for UNIX® and Windows NT? platforms covers consumer, merchant and financial institution requirements for all card-based payments, including e-commerce and the emerging world of mobile commerce. Trintech can be contacted in the U.S. at 2755 Campus Drive, San Mateo, CA 94403 (Tel: 650-227-7000) and in Ireland at Trintech Building, South County Business Park, Leopardstown, Dublin 18 (Tel: 353-1-207-4000). Trintech can be reached on the Web at http://www.trintech.com. Investor information can be found at www.trintech.com/investor.

About SET

SET – Secure Electronic Transaction – is a technical specification for securing payment card transactions over open networks such as the Internet. SET maintains the confidentiality of messages, ensures that messages are not amended by unauthorized people, and authenticates the parties involved in a transaction so that both cardholders and merchants are assured that the other is genuine. SET was developed by Visa and MasterCard, with participation from several technology companies, including Microsoft, IBM, NetScape, SAIC, GTE, Terisa Systems and VeriSign.


BofA Smart Cards

Bank of America is gearing up to issue VISA smart cards. This week BofA signed a licensing deal with ACI Worldwide for its ‘MONAD’ multi-application smart card management system. BofA says this morning it will use ‘MONAD’ to build the necessary infrastructure to manage multi-application smart cards. ‘MONAD’ enables financial institutions to manage the complete life cycle of smart cards and smart card applications including full enrollment, application management, card issuing, personalization, post-issuance of multi-application smart cards and security.